Payment Point Research Articles

Analisis Strategi Pemasaran Digital (Digital Marketing) dalam Meningkatkan Daya Saing PT Pos Indonesia (Persero) Padang Melalui Layanan Pospay

With the passage of legislation No. 38 of 2009, PT Pos Indonesia experienced quite tight competition with its competitors in all areas of services offered by PT Pos Indonesia to its customers, especially in the field of financial services. The emergence of digital-based start-ups. Meanwhile, PT Pos Indonesia, which plays the role of PPOB (Payment Point Online Bank), known as the Pospay service, has not used Digital Marketing technology. With this problem, PT Pos Indonesia issued or introduced a digital-based Pospay service system in early 2019, which was based on Fintech to increase the company's competitiveness. Therefore, This Study aims to :(1) determine the internal factors (strengths and weaknesses) of pospay: (2) Knowing the external factors (opportunities and threats) owned by Pospay: (3) Knowing Pospay's digital marketing strategy to increase the competitiveness of PT Pos Indonesia (Persero) Padang. Data processing using IFAS analysis to analyze internal factors, EFAS analysis for external factors. Once entered into the quantitative model, namely the SWOT matrix which is based on primary data from the results of research that is Field Research using a structured questionnaire directly to 88 samples. Where The results of the analysis using IFAS and EFAS and using SWOT analysis show that the recommended digital marketing strategy for PT Pos Indonesia (Persero) Padang to increase competitiveness through Pospay services is the SO Strategy.

ОБҐРУНТУВАННЯ МЕТОДУ РОЗПОДІЛУ ТРАНСПОРТНИХ ПОТОКІВ ПРИ МІКРОМОДЕЛЮВАННІ ПУНКТІВ ЗБОРУ ОПЛАТИ ЗА ПРОЇЗД

Introduction. The practice of charging road tolls to compensate for the costs of the road construction and operation has been known since ancient times. The traditional approach to toll collection on motorways is that vehicles must stop and pay at the appropriate collection point (Toll Collection Plaza — TCP). At the same time, two payment systems are traditionally distinguished: an open one, in which the driver pays for traveling the entire toll section, and a closed one, in which, upon entering the toll motorway, the driver is obliged to take a ticket at the first point (station) of payment and return it upon exiting the motorway at the final payment point, paying for the actual distance traveled. In both systems, there are bound to be vehicle delays in TCP. In this regard, transport engineers and road design specialists face several urgent tasks, such as determining the impact of toll booths on the level of service, capacity and other traffic indicators on motorways, assessing the impact of TCP configuration and toll collection technologies on of the traffic flows indicators in the TCP zone and in the transport network. Problem statement. One of the modern methods of research and assessment of the state of traffic at toll collection points is microsimulation of the road network or individual TCPs. At the same time, the reliability of this analysis tool will be determined not only by the calibration parameters of the simulation model, but also by the quality of the adopted distribution of traffic flows. Purpose. The purpose of the work is to substantiate the method of traffic flows distribution when developing a microsimulation model of toll collection plazas via PTV Vissim software. Materials and methods. Single TCP scenarios are simulated in Vissim, which differ in the number of operation lanes, approaches to network reproduction, and applied traffic distribution methods. The results. The actual scientific and applied problem of justifying the method of traffic flows distribution in the microsimulation of toll collection plazas in PTV Vissim has been solved. An analysis of the possibilities of traffic reproduction methods in TCP using static routes, dynamic assignment, the PTV Vissim COM interface for dynamic assignment, “Managed lanes” routes was performed. In TCP models with the number of lanes from 3 to 6 with static routes and dynamic assignment, the realistic behavior of drivers when choosing a traffic lane in TCP is verified. An analysis of transport delays in TCP models was performed to compare the simulation results when using static routes and dynamic assignment.

Perancangan Aplikasi E-Commerce FDW Store menggunakan Metode Lean UX

FDW Store is an online store that sells services to meet the needs of users' games and lives. FDW Store sells services such as credit for all operators, Online Game Top Up, Payment Point Online Bank (PPOB). The problem that occurs in FDW Store business owners is that they do not have a proper FDW Store application display design and have been tested if they want to be built into an application that is ready to use. Based on these problems, the solution is to design the UI/UX of the mobile-based FDW Store E-Commerce Application using the Lean UX method because this method has the advantage of a fast success rate and also focuses on understanding the experience of the product to be made. This study resulted in the design of the User Interface (UI) and User Experience (UX) for the FDW Store E-Commerce application which is useful as a reference for business owners in building an application.

Determinants of payment compliance of the national health insurance among non-salaried participants

This study analyzed the compliance of non-salaried participants, in paying the monthly premium of the National Health Insurance (known as Jaminan Kesehatan Nasional, JKN) in Indonesia. The sustainability of this program is essential to realize universal health coverage (UHC) in the country, and its success heavily relies on the compliance of its participants in paying the premiums. Non-salaried workers constitute a membership category with a lower level of compliance in paying premiums compared to salaried workers and premium contribution beneficiaries. This study used the logit regression method and revealed significant findings. Specifically factors such as age, income stability, payment point, decision maker, and distance to health facilities were found to be associated with the compliance of private participants in paying the monthly premium of the JKN program. The study identified that older age is linked to higher compliance, and having a stable monthly income increases the probability of payment. Respondents who utilize bank auto-debit services for payments exhibit a higher level of compliance compared to those who make payments at modern mini-markets or e-commerce platforms. The joint decision-making by both spouses to participate in the JKN Program leads to higher compliance compared to decisions made solely by one spouse. Furthermore, the study discovered that a greater distance to health facilities corresponds to an increased likelihood of compliance in paying the monthly premium.

ANALYSIS OF THE USE OF POSPAY SERVICES ON INCOME LEVEL OF PT. POS INDONESIA

Pospay is a smartphone application with Android and iOS systems that is provided to the public as a digital channel to access Giro Pos services and other financial transaction services independently. Pospay can also be interpreted as a finance and technology service created by PT. Pos Indonesia by using the Online Payment Point System (SOPP) which aims to make it easier for people to make payments. This study aims to analyze and prove the effect of using pospay services on the level of income at PT. Pos Indonesia. The hypothesis in this study is that there is a significant effect between the use of Pospay Services on the Income Level of PT. Pos Indonesia.
 In this study, the population used is the customers of the Surabaya Post Office 60000 who use the Pospay Application with a total of approximately 8,380 people. Meanwhile, the sample in this study were 60000 Surabaya Post Office customers who used the Pospay Application. Instrument testing is done by using a questionnaire, the questionnaire must meet the valid and reliable requirements. To find out whether the data generated from the questionnaire measuring instrument can guarantee the quality of the research so that conclusions about the relationships between variables can be trusted, accurate, and reliable so that the research can be accepted, validity and reliability tests are carried out. Data collection techniques were carried out by making observations at the Surabaya Post Office 60000 and also in the form of a questionnaire (questionnaire) distributed to respondents, namely post office customers who use the pospay service application. This study uses a quantitative descriptive approach.
 The results showed that there was a significant effect between the use of Pospay services on the income level of PT. Pos Indonesia. The conclusion of this study is that if the pospay service is improved, it will further increase the income of PT. Pos Indonesia

Analisis Penerapan Strategi Attention, Interest, Desire dan Action pada Aplikasi Layanan Pospay

The implementation of the attention, interest, desire and action strategy or known as AIDA is a model that can convey the quality of a good message on a product, one of which is the Pospay financial application which is a new breakthrough from PT Pos Indonesia's digital transformation. Pospay implements an integrated direct payment system, known as SOPP (System Online Payment Point), where people can process financial transactions quickly. Starting from sending money, payment services and virtual accounts, bill payments. Up to digital transactions using the Quick Response Code Indonesia Standards (QRIS). The presence of Pospay aims to provide easy financial services to the public. The purpose of this study was to analyze the application of the AIDA strategy to the Pospay application at PT Pos Indonesia KCU Malang. The research method used in this study is a descriptive qualitative method. The results showed that the application of the AIDA strategy to the Pospay financial application at PT Pos Indonesia KCU Malang was the right strategy, especially Pospay was one of the new innovations that made it easier for the public to make financial transactions and PT Pos Indonesia KCU Malang continued to make efforts to introduce the Pospay application with the AIDA study.

Aplikasi Penggunaan Teknologi E-Banking Dalam Upaya Peningkatan Pelayanan Nasabah (Studi Kasus PT. Bank Muamalat KCP Stabat)

This study focuses on the discussion of the E-Banking aplication offered, the perceived barriers, and the improvement in customer service perceived by the E-Banking facilities offered by PT. Bank Muamalat Stabat Sub-Branch Office. The research method used in this research is a descriptive qualitative research method with an empirical approach. People who are used as informants in this study are employees and customers who use the E-Banking product of PT. Bank Muamalat Stabat Sub-Branch Office. In this study, researchers used a collection technique, namely by means of observation, interviews, and documentation. Data analysis in this study consisted of data editing, data classification, data verification, data analysis, and drawing conclusions. The results of the study explain that the application of the use of E-Banking technology offered by PT. Bank Muamalat Sub-Branch Office Stabat that is Automatic Teller Machine, Sala Muamalat, Muamalat Internet Banking, Muamalat Mobile Banking, Virtual Account Muamalat, Muamalat Cash Management System, and Muamalat Outlets (Payment Point Online Bank). Barriers to the use of E-Banking technology at PT. Bank Muamalat Stabat Sub-Branch Office, namely unsupported network, lack of customer capability regarding the use of technology, and technical problems using E-Banking. There was an increase in the service perceived by customers with the E-Banking facilities offered by PT. Bank Muamalat Stabat Sub-Branch Office. The existence of E-Banking facilities improves the service that customers feel when transacting, starting from increasing convenience, speed, security, and trust.

An ANALYSIS OF CONTRACTOR'S KNOWLEDGE LEVEL ABOUT CONSTRUCTION SAFETY MANAGEMENT SYSTEM BUDGET PLAN COMPONENTS (CASE STUDY: CONSTRUCTION PROJECT IN PADANG CITY)

Work accident prevention is cheaper than responding responsively after an accident. Common problems are weakness and a lack of predicted levels of risk for a job that could potentially be a work accident. Risk Control is undoubtedly something that must be designed before the work is done. This control must be supported by costs to run a Construction Safety Management System (SMKK) system. This section takes knowledge and understanding of what items are included in the cost. The initial observations and references that have been conducted and collected indicate the problem that the financing does not appear in the Budget Plan of the contractors in several construction projects when participating in the tender auction at the research site, namely: The City of Padang. The obligation of contractors to hold this financing payment point when the auction has actually been arranged and required three years ago through the Regulation of the Ministry of Public Works and Public Housing of Indonesia. However, the limitations of information media, socialization, and implementation instructions become challenges in running it. This fundamental problem gave rise to an idea to carry out research. This research has been conducted to explore the problem of the level of knowledge of contractors about the financing of smkk. The data in this study was obtained by survey, in detail, disseminating questionnaires online to samples, namely: contractors in the city of Padang. The questionnaire has been analyzed using an analysis of the respondent's achievement level. The analysis results showed that the level of knowledge of this contractor is quite good in the level of knowledge about the components of the budget plan smkk cost. In conclusion, there is no problem with the contractor's knowledge of SMKK financing. Indications, the problem of readiness and planning of these contractors.

Analisis Kontribusi Program Pospay Terhadap Pendapatan Pada Kantor Pos Prabumulih 31100

Every company is established to achieve certain goals, whether it's a company engaged in services, trade or industry. In general, the company's short-term goal is to obtain the maximum possible profit or profit. Meanwhile, the company's long-term goals are very diverse, including developing business and expanding networks so that the company can maintainits existence. To maintain its existence and to remain competitive in the business world, companies or entities rely on information technology systems. Pospay is one of the financial service products at PT. Posts that serve any bill payment. By using the Pospay service, people no longer have to bother paying multiple bills in different places. Because Pospay is now using an online system or SOPP (Online Payment Point System) which makes it easier for people to make payments without having to go to the Post. According to PT. Pos Indonesia (Persero) in the SOPP Pos Service Implementation Guidebook that the meaning of the Pos Online Payment Point System (SOPP) is an online payment service for paying accounts or bills of partners of PT. Indonesian post. This research generally aims to find out how the pospay program's contribution to income at the Prabumulih Post Office 31100. This type of research is a quantitative descriptive research, where the data used is quantitative data, namely income with secondary data sources obtained directly from the Prabumulih Post Office 31100. The data analysis technique used to determine the contribution of the Pospay program to the post office's income is to use the contribution formula, namely the contribution that one thing can give to another. The results of research in 2016 and 2017 income from the pospay program contributed 26.15% and 26.87% with moderate assessment criteria. Meanwhile, in 2015, 2018 and 2019 the achievement of income contribution from the pospay program reached a fairly good assessment criteria, namely 32.63% for 2015, 32.60% for 2018 and 32.97% in 2019.
 
 Keywords: Pospay, Income.

PENINGKATAN LAYANAN POSPAY DENGAN TEKNOLOGI BUSINESS PROCESS ANALYSIS (BPA) PADA PT. POS INDONESIA AREA KOTA MALANG

PT. Pos Indonesia has a postal payment service (postpay) or System Online Payment Point (SOPP). Postpay services that are already running must be continuously improved so that they can develop properly. This makes it important to analyze the business processes that run on the postpay service at PT. Pos Indonesia Malang City Area so that later it can be known and identified opportunities for better business process improvement. The purpose of this study is to analyze the business processes that run on payment services (postpay) and identify opportunities to improve the payment service business process (postpay) at PT. Pos Indonesia Malang City. Based on the analysis of ongoing business processes, it was found that the payment service business process (postpay) of PT. Pos Indonesia in the Malang City area has been running according to existing procedures but has limitations on the queuing system, namely customers who will send goods and postpay payments still use a one-way queue. From these weaknesses and limitations, a business process with a two-lane queuing system was proposed, but it could also run flexibly with the previous one-line queuing system. The proposed two-lane queuing system, it can save time and increase the number of customers that can be served by PT. Pos Indonesia in Malang City area.

TANGGUNG JAWAB HUKUM BAGI AGEN BANK DALAM MENYEDIAKAN LAYANAN ONLINE PERBANKAN MELALUI SISTEM PAYMENT POINT ONLINE BANK (PPOB)

The services provided by banks to the public are an online payment point system by using the Definition of payment points and the benefits are a means of payment from the public aimed at the benefit of certain parties usually is the current account of a company whose payments are made through a bank. There is a case in online banking service agents owned by a bank, one of them is Bank BTPN services that use agents to provide services to customers such as opening accounts and paying electricity. There is a problem when an agent in carrying out his duties as an agent gives power to other people in its implementation so that in terms of the principle of knowing customers as explained in the banking principles, where the Payment Point Online Bank (PPOB) system is a system that is run online without passing through face to face.Keywords :Legal Review, Bank Agents, Online Banking Services

Faktor Penentu Kepuasan Kerja Karyawan Outsourcing di Perbankan

ABSTRACTThis study aimed to analyze the analysis of the determinants of job satisfaction employee outsourcing at BRI Limited Liability Company Branch Bangkoand influence on the performance.This research usesjob satisfaction variablesand performanceto analyzefactors determinant of job satisfaction employee outsourcingat BRI Limited Liability Company Branch Bangko. Besides that, to analyze influence on the performance.The population in this study is all employee outsourcing at BRI Limited Liability Company BranchBangkofrom all divisions of the company.Both of which have a contractual term of less than one year or more than one year. This population is totaling 63 employees include the following frontliner (Custumer service dan teller),PAU, IT, TKK, Secretary, payment point, driver, servant, and security. In this research uses survey methods namely with giving questionnaire to all of population is totaling 63 employees consists of employee outsourcing in all parts of the company. Data collectedusing questionnaire methodnamely with giving questionslist or questionnaire directly to respondents. Technical analysis of the data in this research uses factor analysis by program SPSS.The resulted of research showed that factor analysis found as main factor which influence satisfaction employee outsourcing at BRI limited liability company is work environment. The resulted of second hypothesis testing found that job satification unsignificant to satisfaction employee outsourcing at BRI limited liability company.

PENGARUH PAYMENT POINT ONLINE BANK (PPOB) TERHADAP PERCEPATAN ALIRAN KAS ( STUDI KASUS DI PT. PLN (PERSERO) PROVINSI ACEH)

This study aims to identify the influence of Payment Point Online Bank (PPOB) on the cash flow acceleration at PT. Perusahaan Listrik Negara (Persero). This study uses secondary data in the form of financial statements during 2017-2018 taken from the central office of PT. Perusahaan Listrik Negara (Persero) of Aceh Province. The samples used are 38 offices of PT. Perusahaan Listrik Negara (Persero) in Aceh Province. The method used to analyze the data is simple linear regression analysis. The results of this study indicate that the Payment Point Online Bank (X) influences significantly on the cash flow acceleration (Y) at PT. PLN of Aceh Province during 2017-2018.

Gender Difference Between Payment Point Online Banking Users in East Java

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Faktor Penentu Kepuasan Kerja Karyawan Outsourcing dan Pengaruhnya Terhadap Kinerja di Bank Rakyat Indonesia (BRI) Cabang Bangko

Penelitian ini bertujuan untuk menganalisis analisis faktor-faktor penentu kepuasan kerja karyawan outsourcing pada BRI Perseroan Terbatas Cabang Bangkoand pengaruh terhadap kinerja. Penelitian ini menggunakan variabel kepuasan kerja dan kinerja untuk menganalisis faktor-faktor penentu kepuasan kerja karyawan outsourcingat BRI Perseroan Terbatas Cabang Bangko. Selain itu, untuk menganalisis pengaruh pada kinerja. Populasi dalam penelitian ini adalah semua karyawan outsourcing di BRI Perseroan Terbatas Cabang Cabang Bangkok dari seluruh divisi perusahaan. Keduanya memiliki masa kontrak kurang dari satu tahun atau lebih dari satu tahun. Populasi ini berjumlah 63 karyawan termasuk frontliner berikut ini (Custumer service dan teller), PAU, IT, TKK, Sekretaris, payment point, driver, servant, dan security. Dalam penelitian ini menggunakan metode survei yaitu dengan memberikan kuesioner kepada seluruh populasi yaitu sebanyak 63 karyawan terdiri dari karyawan outsourcing di seluruh bagian perusahaan. Pengumpulan data menggunakan metode kuesioner dengan memberikan daftar pertanyaan atau kuesioner langsung kepada responden. Analisis teknis dari data dalam penelitian ini menggunakan analisis faktor dengan program SPSS.
 Hasil penelitian menunjukkan bahwa analisis faktor ditemukan sebagai faktor utama yang mempengaruhi kepuasan karyawan outsourcing pada perusahaan terbatas BRI adalah lingkungan kerja. Hasil pengujian hipotesis kedua menemukan bahwa job satification tidak signifikan terhadap kepuasan karyawan outsourcing pada perusahaan terbatas BRI. Kata kunci: kepuasan kerja, outsourcing karyawan, kinerja

Analisis Hukum Ekonomi Syariah Terhadap Penerapan Akad Murabahah pada Pembiayaan Pendidikan (Studi Kasus Unit Jasa Keuangan Syariah (UJKS) Annuqayah Guluk-Guluk Sumenep Jawa Timur)

AbstractIn either sharia banking or non-banking institutions, murabahah contract becomes an integral part of other products. Murabahah akad is a contract of sale and purchase of goods between a bank and a customer, which the bank notifies a cost of goods and increase the mutually agreed benefits. While the Educational Murabahah Akad in UJKS Annuqayah refers to the UJKS Annuqayah provides goods that support the learning process of education, such as needs of motorcycles, laptops, books and LCD projectors, and its payments was payed in installments and the UJKS Annuqayah do not add profit.In this study, the problems were as follows: first, what is the meaning of murabahah contract and the types of murabahah contract in the UJKS Annuqayah, second, how is the implementation of murabahah contract on education financing in the UJKS Annuqayah, third how is the review of Islamic economic law against murabahah agreement on education financing in the UJKS Annuqayah. While the purposes of were to understand and to describe akad murabaha on financing education in the UJKS Annuqayah, to understand the application of murabaha education, to understand and to describe the perspective of Islamic economic law towards the application of murabahah akad on education in the UJKS Annuqayah.The method used qualitative descriptive with field research approach, which is the study examined the theories that have been developed in the field of science related to the problems, looked for methods and research techniques both in collecting data and analyzing research that has been used by former researcher. The data was analyzed by using deductive theory. While the key informant was the director of UJKS Annuqayah, and the supporting informants were the head office of UJKS Annuqayah, the head office of women's payment point, the financing section, the payment section and the teller of UJKS Annuqayah.The results showed that the UJKS Annuqayah has 3 murabaha products; the murabahah business, the murabahah basic needs and the murabaha education. In murabahah education financing, the UJKS Annuqayah do not get a profit, but the UJKS gets cashback from deller divided between the UJKS Annuqayah and customer. According to the review of Islamic economic law, it is permissible because it is in accordance with Islamic legal principles based on the Imam Syafi'ie perspective and implemented with the principles of justice, no despotic action, mutual agreement and transparency on management. This is justified by Islam because it is spared of riba and gharar. Keywords : murabahah akad, education financing, UJKS Annuqayah

The Development of Data Warehouse from Payment Point Services of IT Business Solution Provider

The goals of the research is to develop a data warehouse loaded from operational database of payment point service in IT business solution provider. The development scope is data analysis using Online Analytical Processing (OLAP) tools for identifying the trends of transaction and agent registration, and create reports and dashboards. The data warehouse was developed with Kimball method as known as the nine-step design methodology. The data and requirement were collected by observation and interview with Chief Technology Officer (CTO). The data warehouse was analyzed by OLAP tool provided by Pentaho Business Analytics software with additional plugin Pivot4J. The obtained results are the trends of transactionand agent registration between 2014 and 2015. It can be concluded that developed data warehouse can be used as ananalysis tool to know the trends information.

Assessing Information Technology Strategy Alignment to Business Strategy Utilizing IT Balanced Scorecard Case Study: PT. Pos Indonesia

PT Pos Indonesia as an organization that provides mail, goods, and money delivery services has been implementing Information Technology (IT) to support the business process, such as: SOPP (System Online Payment Point), Post Remittance, Reserve Online, Agent (Westrn Union, Money Gray), and I-Post (Integrated Post) is handled by the Division of Information Technology (IT). But until now its implementation has not been fully able to support existing business processes, and can not contribute the maximum to the business. PT Pos Indonesia should not only apply IT as a business process support activities, but must also be implemented as part of business strategy. The implementation of IT should be the optimal power of life and competitiveness of the organization. The implementation of IT must also provide the opportunity for changes in the productivity of a business that has been running. This is what underlie the study required that can analyze the various factors that affect founded IT strategic planning that is able to adapt, fit, and balanced with business strategy way of the organization.
 
 On this thesis, assessed the alignment of the IT strategy to business strategy in PT Pos Indonesia. IT Balanced Scorecard framework is used: (a) to help translate IT strategy into the actions of IT, and (b) assess the performance of IT in PT Pos Indonesia. IT Balanced Scorecard have a role as a performance management IT system. With the IT Balanced Scorecard, IT vision, strategy, and organization associated balanced againts the objective of financial, customer, business process, and learning and growth perspective. Each perspective is changes to the contribution companies, end-user orientation, operational excellence, and the readiness of the future.
 
 Alignment Maturity Level developed by Luftman used to know the maturity level of alignment between IT and business organization in good condition at this time, and conditions that are expected. Competency/value criteria on the maturity model Luftman, examine the IT values that contribute to corporation business. The contribution of IT values to business measured by mapping IT performance in the four IT Balanced Scorecard perspectives. Importance Performance Analysis (IPA) method is used to measure IT performance, both for current conditions and expected conditions. Capability Maturity Model (CMM) is used to measure the level of internal process maturity in IT division of PT Pos Indonesia, as part of follow-up the operational excellence perspective analysis of IT Balanced Scorecard. Analytical Hierarchy Process method is used to find the weight of performance indicator each perspective. The results of the analysis is designed to be able to create a solution design in the form of a proposal to the direction of improvement.
 
 Alignment level between IT and business, for the current condition (as is) are on the maturity level 3 or established process, and for conditions that are expected (to be) are at maturity level 4 or managed process. With the IPA method, the IT performance based on the company contribution perspective is located to the C quadrant position coordinates with as is - to be coordinates position (3.14, 3.54). IT performance based on end-user orientation perspective is located in the C quadrant with as is - to be the coordinates position (3.10, 3.93). IT performance based on operational excellence perspective lies in the quadrant B with as is - to be coordinates position (3.41, 4.35). With the CMM analysis, the maturity of IT division internal of PT Pos Indonesia, to the condition at this time (as is) are on the maturity level 3 or defined process and conditions that are expected to be on level 4 or managed process. IT performance based on the future readiness perspective lies in the quadrant A with as is - to be position coordinates (3.13, 4.05). Importance sequence will be the beginning point for cause effect relationship on the IT Balanced Scorecard as a solution design. With the AHP method, is that the performance indicators with the most importance is the development of activity / IT processes.

ANALISIS PERSEPSI BMT PENGGUNA TERHADAP KUALITAS JASA PELAYANAN PPOB ABSINDO

The purpose of this research is to study the differences in expectations of service quality in the use of BMT PPOB ABSINDO by users in Yogyakarta . The research instrument is a questionnaire to the user BMT PPOB ABSINDO which includes the dimensions of service quality in general (servqual / service quality) is a system PPOB ABSINDO Payment Point to conduct payment transactions of electricity , telephon , pulses and flight tickets and train tickets in BMT users . The sample was 30 users PPOB ABSINDO BMT in Yogyakarta . Hypothesis testing is done by using gap analysis , paired sample t test , t test , and Cartesian diagram .
 The results of the analysis of the study found a negative gap between expectations and the reality of the quality of services PPOB ABSINDO system. The differences between expectation and reality of the quality of services that include the dimensions of service quality in general about PPOB ABSINDO described in 22 (twenty two ) perceived quality services aimed at users of PPOB ABSINDO BMT.
 
 Keywords : Quality of services , PPOB ABSINDO , Cartesian diagram

Inventory policy for deteriorating items under trade credit when time of payment is uncertain

In this paper, an inventory system with a trade credit policy when payment point is not deterministic in nature is studied for deteriorating items. Under trade credit policies, the retailers have to pay at trade credit point or at a predetermined point. In practice, it is not always possible for a retailer to strictly adhere to the same payment policy every time, may be because of uncertainty of cash in hand at respective time points or for other reasons. The optimal policies are derived by taking the possibility of not making the payment in a single point every time into consideration. Two scenarios of the policies of the supplier’s conditions are considered for which retailer may respond in different ways. Three types of retailer’s response are considered in this paper. Depending on payment pattern specific to a retailer a probability distribution for the duration of payment delay is incorporated. For all these situations the expected net present value of the total cost is derived and hence optimal policies are determined. These models are illustrated through numerical examples. The sensitivity analysis is carried out with respect to various parameters. The total costs which are optimally obtained give the actual expected cost and hence minimize budgetary variance.